Ralik Enterprise now available at Paylater Mall.

Get Up to 12-months interest-free instalments with PAYLATER, and take home your order on the same day!

How PAYLATER works


Step 1

Download PAYLATER app.

Step 2

Complete registration process.

Step 3

Click “APPLY NOW” and get your shopping limit

Step 4

Let's shop!
 Visit Ralik Enterprise On Paylater Mall or Retail Store now.

Instant Shopping Limit
Repayment Date
Extended Instalment
Up to RM3,500
RM1,999 and below
(up to 6-month instalments)
RM2,000 and above
(up to 12-month instalments)

How to increase your shopping limit?

 1    PAYLATER app and select INCREASE.

 2    Fill in the information.

 3    Upload the necessary documents.

 4    Submit your application. 

Frequently Asked Questions (FAQ)

  • Malaysia Citizen with a valid Malaysia NRIC;
  • Above the age of year 18 years old;
  • Have a valid email address and mobile number;
  • Have a valid residential address;
  • Have a valid Bank Account / Debit Card / Credit Card

There will be no interest.

Your Shopping Limit is the available shopping amount you can spend with PAYLATER partnered Merchants. Your instalments will be deductible monthly from the date of purchase.

User can request higher shopping limit in-app by providing additional information.
Login to PAYLATER Malaysia App, click on "INCREASE" to apply for higher shopping limit.
We might require you to upload the following documents:

  • ONE - Latest month bank statements in PDF;
  • ONE - Latest Payslip;Prove of income/revenue - For self-employed or own business;
  • ONE - Latest Utility Bills (TNB bills, Water bills, Mobile Phone bills etc);

*Please ensure the document(s) you submitted is not password protected.

**Please note that all higher shopping limit application is subject to T&C for approval.You may request for higher shopping limit in-app. Please do have your latest bank statement (in PDF), utility bill and payslip or income statement ready.

Yes, you can! Both debit and credit cards are accepted for ‘PAYLATER’ payment option.

Your billing cycle will be monthly.

Yes, you may refer to here for more information.

You may choose either auto debit on your card, or FPX manual transfer to PAYLATER Malaysia via an in-app option in the ‘PAYLATER Malaysia’ app.

You may opt-in for a refund only if you do so within the same day. No refunds will be entertained 1 (ONE) working day from your purchase using ‘PAYLATER’ option.

Yes, you may opt-in for a maximum of 12 months instalment with a fixed fee. Full details available in the ‘PAYLATER Malaysia’ app. Instalments above 4 months are subject to approval.

Yes, you may. As long as you are still within your allocated ‘shopping limit’, you may have as many purchases.

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